Credit Analytics

OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken—high fees, low rates, and too few ways to grow your money. We’re fixing it with an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. Backed by Walmart and Ribbit Capital, we’re building something truly category-defining.

What sets OnePay apart is how we move. Our customers don’t have time to wait, and neither do we. We’re looking for people who are hungry, driven by urgency, exceptional at what they do, and comfortable operating in motion.

About the role

As a member of the analytics team, you will bring order to vast amounts of internal and external data so OnePay can make better data-driven credit decisions, faster. You’ll own credit and product analytics for our in-house liquidity products, driving smarter decisions, better outcomes for our customers, and growth for the business. You’ll work cross-functionally with product, engineering, and data science teams to drive the business forward.

Responsibilities

• Own credit strategy end-to-end across advance, overdraft, and other credit products—creating policies that balance growth and risk.
• Think holistically about customer behavior, not just program-level metrics—connect segmentation and behavioral signals across products to uncover new insights.
• Launch new credit products from scratch, balancing first principles and limited data to scale innovative experiences with a credit and product lens.
• Leverage AI-powered tools and techniques to accelerate analysis, develop and validate predictive insights, and push the boundaries of what’s possible in product analytics.
• Share insights and recommendations with senior leadership and stakeholders to influence the direction of the business.

Requirements

• 4-8 years of professional experience in credit analytics with a proven track record of leveraging quantitative analyses to drive business or product changes in a fast-paced environment.
• Demonstrated experience with consumer underwriting strategy and/or portfolio risk analytics—cash advance, overdraft, BNPL, or short-term consumer lending experience is a strong plus.
• Advanced SQL and AI skills, with the ability to independently pull and analyze complex datasets.
• Strong analytical thinking and problem-solving skills—you can go from ambiguous questions to clear insights.
• Intellectual curiosity to look beyond the ‘what’ and answer the ‘why’.
• An act-like-an-owner mentality with a bias toward taking action.

Benefits

• Competitive base salary and stock options.
• Health benefits from Day 1.
• 401(k) plan with company match.
• Remote-friendly (US) with flexible time off (FTO).
• Opportunities for growth in a high-growth, mission-driven, inclusive culture where your work has real impact.